There are many ways that you can get instant cash when you find yourself in a tight corner financially. Payday loans are not your only option and while they are beneficial, they should only be considered as a last resort. There are a few other ways that you can gain the instant cash when you need it.

The first place for quick cash if your bank; you already have a relationship with them and they may be able to help you out. If you have had your bank for a long time, they will go through it all so you could find that it takes longer to get the instant cash, however this is worth it to get the best rates on any fees that you are charged. Take your time with the bank and look at all of your different options.

The overdraft is probably your best bet because there are some companies that will offer an interest free overdraft up to a certain amount. This is great instant cash as long as you do pay it back when you say you will; you could find that the interest free is only there for a short period. If you have a bad financial history then you may not get the free overdrafts but you could definitely find that they are better rates than the instant cash loans.

If your overdraft has not worked, what about your credit cards? If you do not have one, now is the best time to get one. Credit cards will help your credit rating more because you can make regularly payments on them and clear the balance off at the end of each month. You will not be able to get the credit cards with the best rates but even the higher interest rates are worth looking at for your instant cash.

If you already have a credit card, you may want to look into the amount that is on your balance. There is a possibility that you can gain an extension on your limit, which will help you with your look for instant cash. However, you will need to have a good relationship with your provider for this. You will need to always be below your limit and make regularly repayments.

Most credit cards will not charge for this limit extension but that does not mean that you can gain it. You will also need to consider asking for a temporary extension for the month so you can gain the instant cash. This is not something that all providers will allow but, if you have a good relationship with them, you could find that you can.

Instant cash loans should be your last resort and you need to make sure that you shop around for them. There are a number of risks with instant cash payday loans and they will not always offer the rates that you want. However, they are definitely better than finding that you end up in more and more debt.